You get a guaranteed return of 3% gross annual interest until September 30th 2025, and your savings are available with a 32-day notice. All our deposits are protected up to €100,000 by the Interbank Deposit Protection Fund (FITD).
For all the details, refer to the information sheet in Transparency.
Get more from your saving
You get an advantageous gain at a rate of 3% gross annual interest.
Earn until the last day!
Your liquidity is always available with a 32-day notice. You earn up to the day before withdrawal.
Want to be free and secure?
Your savings are protected by the Interbank Deposit Protection Fund. Fact sheet in Trasparency.
X Risparmio Flexi gives you a rate of 3% gross annual interest and the possibility to have your savings in 32 days.
Through your deposit, while you earn, we finance the projects of small to medium-sized Italian enterprises.
Do everything online.
No obligation to open a current account.
Your savings are 100% protected by the FITD.
You can open it in just a few steps.
Position yourself in a well-lit area and keep the valid documents and the items on this list within reach.
from your national health card.
ID card, passport and driving licence are accepted.
such as a computer, tablet or smartphone.
of the current account you will use to operate the deposit account, that is, for deposits and withdrawals.
What’s the difference between X Risparmio, X Risparmio Libero and X Risparmio Flexi?
X Risparmio is a fixed-term deposit account from which you can get the maximum return on the money you deposit, by tying it up for a predetermined period. In case of early withdrawal, accrued interest is not recognized.
X Risparmio Libero is a deposit account that gives you freedom in its management because you can add or withdraw money whenever you want, respecting the maximum and minimum balance.
X Risparmio Flexi is a deposit account with a withdrawal notice. It gives you the freedom to add sums whenever you want and withdraw them by giving a 32-day notice.
How can I best use the account?
X Conto allows you to generate an annual return, based on your average balance. Therefore, the more money you leave in the account, the higher the return.
I have already opened an X Risparmio deposit account. Can I also open X Risparmio Libero?
Sure! You can open X Risparmio Libero deposit account even if you already have one or more X Risparmio deposit accounts. Contrary of X Risparmio, you can subscribe to only one X Risparmio Libero deposit account.
You can choose the duration that suits you, from a minimum of 3 months up to 36 months.
